I enjoy watching Suze Orman on Saturday evenings. Yes, I know, what an incredible social life I have! It's on at 9:00 p.m. and basically it's all I can do to keep my eyes open to watch it! Tonight is going to be especially interesting for us because she will discuss the Roth IRA and how those of us who are not eligible can get around it. It's been hard talking my husband into leaving the 401K (pretax account) and starting to contribute after tax dollars to the Roth. His company will have the Roth 401K available in April, and I want to start contributing to that instead of the traditional 401K. All money earned in the Roth can be taken out TAX FREE when you retire. So if you have 100,000 in that account, you really have 100,000. If you have 100,000 in your 401K, you will be taxed on the money that is taken out. And that depends on what the tax rates will be when you retire. With federal deficits at an all time high, it's a gamble I'm not willing to take at this point.